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The Retirement Age Calculator makes it straight forward for you to answer the most fundamental retirement question, "At what age can I retire?". The calculator only needs answers to a few questions. More below...»

Need more flexible retirement planning?
Here's my best retirement calculator in that it solves for multiple unknowns.
90% of Retirement Planning is Saving
Here's a Savings Calculator that will solve for any of four unknowns.

$ : mm/dd/yyyy
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Related: Rich Man, Poor Man - Thoughts on Investing

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Calculator Details

The calculator has 11 inputs, 6 of them are required:

  • Your Current age
  • Annual contribution toward retirement
    • and/or Current retirement savings
  • ROI for retirement savings
  • Retirement lasts how many years
  • Desired retirement income
  • ROI during retirement

There are 5 optional inputs. Any or all can be left at 0.

  • Annual contribution increase
  • Current retirement savings
  • Income from government
  • Other annual income
  • Annual inflation rate

Click on the [Help] button for more details about each input.

If "For retirement income, withdraw only interest" is checked, you'll not be able to enter a value for "Retirement lasts how many years" since withdrawing only the interest means the principal will remain untouched. Theoretically, the income will last in perpetuity. An exception to this will be if you enter a value for "Annual inflation rate", then only the first withdrawal will equal the interest earned for the year. Subsequent withdrawals will be more than the interest earned to compensate for inflation.

Hopefully this retirement age calculator gives you insights into your retirement options. If the calculated age is older than you would like, you basically have four options available to reduce the age:

  1. Increase the annual contribution
  2. Achieve a higher rate of return on your retirement savings
  3. Achieve a higher rate of return during retirement
  4. Reduce your desired retirement income
Do You Have 20 Seconds?
Please tell me how you use this calculator. Are you using it personally or professionally? What feature is important to you? If it didn't meet your needs, why? Your feedback will help me make improvements. Complete sentences aren't necessary! :)

Comments, suggestions & questions welcomed...

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